You can log in to your Petal® 2 Visa® Credit Card account by going to the login page on the Petal website or mobile app and entering your email address and password in the appropriate fields. Then, click “login In” to access your online account.
How to Log In to a Petal 2 Card Account
Go to the Petal 2 Card login page.
Fill out the “email” and “password” fields with your credentials.
Click “login In” to access your account.
After you have logged in, you’ll be able to manage your Petal 2 Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot password” on the Petal login page. Then, just follow the prompts to reset or retrieve your username or password.
The first thing to do when dealing with a lost Visa credit card is freeze the card through the card issuer’s website or mobile app, if possible. Next, report the lost Visa credit card to the bank or credit union that issued the card, and request a replacement. It usually takes 3-7 business days to get a replacement Visa card, but some issuers may offer expedited shipping, even for free.… read full answer
After that, take a breath. All Visa credit cards have $0 liability guarantees for unauthorized transactions, so you won’t have to pay for any fraudulent charges made with your card before you managed to freeze or report it. Once you report your card as lost, the card issuer will cancel that card number to permanently invalidate the Visa. They will then send you a replacement card. If you need the card within a few days, request expedited shipping when you speak with your card issuer. Just be sure to ask about any fees that may be assessed for rush delivery.
You can also report your lost card to Visa, but it’s not necessary. Visa will make sure that your card issuer is informed and will help you get a replacement card, but this can all be done faster by calling your card issuer directly. However, Visa can also arrange for emergency cash to be available at a bank near you within hours of your bank’s approval. This service should only be used a last resort, but it can come in handy if you’re stuck in a foreign country without a credit card.
Finally, activate your new Visa once it arrives. You can begin using your card immediately after activation. Since the former card number will no longer work, make sure to update your billing information for all recurring payments, so that you don’t get charged late fees.
The only way you can apply for the Petal 2 Card is online. Applications are not accepted by phone or email. The Petal 2 Card is available to legal U.S. residents of the 50 states, Washington, D.C., or U.S. military locations, with a valid SSN or ITIN.
The first step of the application process is the pre-approval. During this step, only a soft pull is performed, which won't affect your credit score. If you're pre-approved, you'll be invited to submit your full application. At this point, a hard inquiry is completed, which will show up on your credit report.
It is also worth noting that Petal 2 Card accepts people with limited credit (less than 3 years of credit history). If this is not your case, you will need at least fair (640+) credit to get this card.
The Petal® 2 Visa® Credit Card interest rate is 17.24% - 31.24% (V), with the actual rate depending on factors such as your income, credit history and existing debt. This Petal 2 Card interest rate is variable, meaning it can change based on certain economic conditions.
The Petal 2 Card gives you a 21-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card’s payment due date. You won’t owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your Petal 2 Card, it will accumulate interest daily at the card’s regular APR. Interest is compounded, meaning you will owe interest on both the principal balance and any interest already accumulated.… read full answer
All Petal 2 Card interest rates will be listed on your statement and on your online account summary.
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